That's over exaggerating the issue. You are making it seem like if you don't have ECC, your computer will go down every hour.
I can run my memory ~20% overclocked for long 100% loads at a time with F@H or Prime and I never get any issues.
From my experience, heat is the main killer of memory after proper installation. I'd rather take non-ECC ram that runs at a cool 25 C load than ECC at a presumable 55-65 C load.
I have never had any issues with non-ECC ram when maintained correctly, and IMO, you are making the issue of errors bigger than they should be.
Wow. You just aren't listening. I'm not talking about anything that has anything to do with how your RAM is "maintained." I am not talking about heat damage. I am not talking about anything that you can control. I'm not even talking about manufacturing defects or marginal defects. (Though all of these are factors).
The planet is constantly bombarded by alpha particles. (This is slightly different than cosmic radiation, but both are a problem). They're all around you. They come flying through space at near light speed and ram into stuff.
Your memory consists of billions of "RAM cells." Even if the chance of one particle hitting one RAM cell is tiny, there are so many RAM cells and so many particles that this happens all the time.
Under the right conditions, the energy from these collisions can excite electrons into the conduction band and can actually flip memory states. If you have one CPU to worry about, this probably happens fairly rarely. How often will depend on your altitude, among other factors. If you have a server room full of machines, this will happen much more often to at least one of them.
Now, when a bit flips, several outcomes are possible. First, it could be memory that is not in use. No harm done.
Second, it could be instruction memory. This may cause a crash (which would actually be GOOD news). This may cause the wrong instructions to get executed, but not cause a crash (this would be BAD news).
Third, it could be data memory. This will likely result in a calculation coming out wrong. Boom. Your bank account has negative dollars in it.
In mission-critical situations, you absolutely positively cannot accept the wrong answer. In even more mission-critical situations, you absolutely cannot even afford a crash (although, arguably, a consumer OS like mac os is not appropriate for that latter case).
ECC is critical exactly because these events are so rare. Since they happen infrequently (once a month, say, at sea level), ECC can correct them. (If they happened more frequently you would need a stronger code that could correct multi-bit errors).
I don't care how cool you keep your machine. I don't care if you swaddle it in baby blankets, sing it to bed at night, and buy it ice cream on its birthday. You aren't stopping those soft error events unless you've got ECC RAM.